OBBBA Impact Calculator 2025
How Trump's One Big Beautiful Bill Will Affect Your Income
Instantly calculate your 2025 personal impact using official government data. Enter your income for fact-checked, personalized results from CBO and Tax Foundation reports.
Key Impact Overview
Understanding the scope and scale of legislative change
One Big Beautiful Bill Act – Timeline of Key Implementation Phases
Key Impacts
Explore different aspects of the legislation by selecting topics below
Personal Impact Calculator
Select your annual income to see how the OBBBA Act may affect your finances over time.
< $40,000
Major Medicaid & SNAP cuts outweigh small tax boost.
Year 3+ Effects
- Standard deduction shrinks from $15,750 to $13,850 → +$228 more tax
- Tip & overtime deductions disappear → lose $25k tip + $12.5k overtime deductions
- Baby bonus ($1,000) and Trump Account ($5k/year) expire
- Childcare subsidy cap returns to higher levels
- Energy credits roll back to prior levels
General Details
- SNAP cuts: 22.3M families face cuts; 5.3M lose ≥$25/mo
- Medicaid loss: 16M could lose coverage by 2034
- New work rules: Able-bodied adults 49–65 must work
- Benefit freeze: SNAP won't keep pace with food costs
Sources:
Distributional Impact by Income Level
Low-Income Households
Low-income households (bottom 10%, incomes below ~$30,000) are projected to lose resources on average. According to the Congressional Budget Office (CBO), these households would see their annual after-tax income (including transfer benefits) drop by about $1,600 per year—nearly a 4% reduction relative to current law. This decline is largely due to cuts to government benefits like Medicaid and SNAP, meaning the poorest families would have substantially less support.
Middle-Income Households
Middle-income households (around the 5th–6th income deciles, near the national median of ~$60,000–$70,000/year) would see only modest gains. CBO finds their after-tax income would rise by about $500 to $1,000 per year (a 0.5%–0.8% increase). These modest benefits come from tax rate reductions and credits, partly offset by reduced government program value.
Upper-Middle-Income Households
Upper-middle-income households (roughly the 80th–90th percentile, ~$150,000/year) are slated to receive larger average tax cuts. Joint Committee on Taxation (JCT) data shows a 10% reduction in federal tax liability in 2027, translating to an increase of $3,000–$4,000 per year in after-tax income (a 1–2% gain).
High-Income Households
High-income households (top 10%, incomes above ~$200,000) benefit the most in absolute dollars. CBO estimates these households would gain around $12,000 per year in after-tax income—a +2.3% increase. The largest gains are driven by major tax cuts, especially extensions of expiring tax breaks, which overwhelmingly favor upper-income brackets.
Frequently Asked Questions
Get answers to common questions about the legislation and explore additional resources for deeper understanding.
Common Questions
Additional Resources
Full Bill Text
Complete legislative language (H.R. 1, 119th Congress)
CBO Cost Estimate
Deficit and outlay projections (2025-34)
JCT Revenue Estimate
Breakdown of tax provisions and scores
Tax Foundation Economic Analysis
Dynamic growth and revenue effects
Coverage-Loss Analysis
CBO Medicaid & ACA impact summary
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